Public Mutual v4, Public/PB series funds
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 Jan 30 2014, 08:16 AM
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#1
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Senior Member
4,524 posts Joined: Oct 2007 From: ~Still finding the place~  
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Good morning all & Happy Chinese New Year..
I just joined EPF Member Investment Scheme and according to agent, I'm investing into Public Dividend Select Fund.. Apart from that, I'm interested to invest into Public Mutual using cash for saving and dividend..as the agent told me, PM definitely better than FD.. As I'm new in mutual fund, what should I take note before I invest? Which fund should I invest into? Thanks all for helping me.. |
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Jan 30 2014, 10:40 AM
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#2
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Senior Member
4,524 posts Joined: Oct 2007 From: ~Still finding the place~
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QUOTE(birdman13200 @ Jan 30 2014, 09:42 AM) Since u r new, suggest u go to Public Mutual Online website and read this: Hi, thanks for your reply..understand that unit trust is for long term..minimum 3 to 5 years is not an issue here..http://www.publicmutual.com.my/Resources/U...ustLessons.aspx "Which fund should I invest into?" This question will hv vary answer, the correct way is not choose a fund, but build a portfolio that consist of few funds from different type/location/ etc. "PM definitely better than FD" Be aware this statement may not true if looking in short term, unit trust would require minimum 3 to 5 years, in order it can be better than FD. Do not expect unit trust give consistent return of more than 3% each year.  Example for PDSF, for past years record, all also above 3% return, so consider this fund is stable enough for saving? My main objective is to get more interest(FD) or dividend(UT).. QUOTE(wongmunkeong @ Jan 30 2014, 10:14 AM) Pls keep in mind (in any situation): Thanks for your information, understand that salesman always a salesman..he mentioned that UT is for mid-long term investment which need at least 3-5 years to see the outcome..Flower sellers usually say flowers smell good Diamond sellers usually say diamonds are forever, say it with a diamond Gold sellers usually say gold is real $, not fiat $ etc. All based on self interest, NOT YOURS. Better than FD in WHAT situations and WHY? The devil's in the details  What i'd suggest is, don't be looking only at Pub Mut - U may want to look at Fundsupermart as well. However, even better, U may want to look at what is "Asset Allocation", "Dollar Cost Averaging", "Value Cost Averaging" then only U'd have the "lay of the land" to execute properly. Then again, if you're a typical fellow - heck, why not, just do it - Public Mutual and other agents needs more investors for their livelihood.  Just a thought respect: Better than FD is yearly return which is higher than 3% based on the previous record(PDSF).. I'm asking here to make sure what information he told me is true and to understand more before I invest into it..hardly for me to listen to 1 people only and make my decision, so I hope I can get more information from those who got experience like you all.. Thank u. |
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Jan 30 2014, 04:53 PM
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#3
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Senior Member
4,524 posts Joined: Oct 2007 From: ~Still finding the place~
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QUOTE(birdman13200 @ Jan 30 2014, 11:32 AM) Hi lineage, below statement may not be correct. Oh..I see..thank for your information..During economic downturn, the unit trust may not give u positive return, see below performance of PDSF during year 2008. It is not something above 3%. U need to prepare urself for this before enter unit trust, else u will panic when see this type of negative return. It is easy to look back the history, but when u r in it, it is a different story. So should I stop investing to PM using my EPF before I know what I am doing?  |
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Jan 30 2014, 05:19 PM
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#4
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Senior Member
4,524 posts Joined: Oct 2007 From: ~Still finding the place~
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QUOTE(birdman13200 @ Jan 30 2014, 05:04 PM) If u already purchased, just let it be, since u hv pay 3% of service charge. Don't be panic if ur return not as expected, especially for the first year, since u need to overcome the 3% SC before hv positive return. Understand that why people will said unit trust not good..and money loss..For the cash investment, it is better u study in detail before go in, u need to pay 5.5% sc for cash investment, it is difficult to hv positive in short period, the typical case for newbie is buy->long time negative return->panic and sell the fund=get negative profit. Just add on, I not saying unit trust not good, but u need to aware what u r buying and how it is function, else wrong decision will be made. Then I should study more before I start invest into it..  |
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Mar 6 2014, 01:39 PM
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#5
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Senior Member
4,524 posts Joined: Oct 2007 From: ~Still finding the place~
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QUOTE(xuzen @ Mar 6 2014, 01:31 PM) PRSF > PSSF, but PISEF >>> all other Pub-Mut funds. How about PDSF? my agent choose this for my epf investment scheme Listen to Xuzen, he is Pub-Mut expert (self-proclaimed). Xuzen  |
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Mar 6 2014, 03:01 PM
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#6
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Senior Member
4,524 posts Joined: Oct 2007 From: ~Still finding the place~
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QUOTE(takalimc @ Mar 6 2014, 02:47 PM) PDSF is quite a good fund also. Is more of a dividend paying fund i guess, I do my cash investments in this fund where you can see more movement, but since EPF is like super long term, I would opt for something with overall higher returns and proven track record. PRSF is a long proven fund but I see the PSSF seems to be performing rather similarly but is at almost half the price per unit. But in the end of the day the returns on the PRSF looks slightly higher. Thanks for your information. Then I should suggest my agent to get PRSF for my next withdrawal. Is it a good way or I should get more unit for PDSF since my first withdrawal invest into it.@Xuzen Thanks! Do you think PRSF will still have alot of room to grow in terms of capital gains and unit price? PSSF is pretty low price fund and could have a huge potential for growth. Thoughs?  |
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Aug 1 2014, 05:26 PM
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#7
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Senior Member
4,524 posts Joined: Oct 2007 From: ~Still finding the place~
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Hi guys,
Just did my 2nd withdrawal from EPF into PRSF as recommended by my agent. My question is, if I would like to use cash to invest into unit trust, which fund should I invest? My objective is simple, I just want the return is higher than normal FD, something higher than 4% is great for me I guess and of course higher is better. Planned to hold it as long as I can. If unit trust average return is higher than FD, I would like to convince my mother to switch over her FD into unit trust for better return. Appreciate anyone can enlighten me on this. Thank you very much. |
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Aug 1 2014, 09:47 PM
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#8
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Senior Member
4,524 posts Joined: Oct 2007 From: ~Still finding the place~
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QUOTE(V-Zero @ Aug 1 2014, 07:25 PM) For conventional funds, PRSF and PDSF are my favourite.  My first fund was PDSF.. |
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Aug 2 2014, 03:54 PM
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#9
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Senior Member
4,524 posts Joined: Oct 2007 From: ~Still finding the place~
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QUOTE(gsan @ Aug 2 2014, 12:28 PM) how long you invest on PDSF? and how's the return so far? I was invested using EPF. For last distribution on May 2014 was 7%. |
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Aug 3 2014, 01:33 AM
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#10
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Senior Member
4,524 posts Joined: Oct 2007 From: ~Still finding the place~
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QUOTE(wongmunkeong @ Aug 2 2014, 04:40 PM) er.. my apologies for butting in. U may not want to use "distribution" as a measure of returns. distributions made reduces the NAV of the fund, thus, the value it adds to investors at the end of the day is zero. A better picture would be: 1 - (value now / cost U sunk in); where value now = units * NAV; cost U sunk in = your $ taken out from EPF The above will give U the simple returns (not time measured returns like CAGR or pa compounded). Just sharing an idea  butting out QUOTE(yklooi @ Aug 2 2014, 04:54 PM)  sorry for butting in also. fyi...both my PDSF and PIDF YTD returns for 2014 till June are less than 2% QUOTE(SKY 1809 @ Aug 2 2014, 04:55 PM) Return is not the same as " distribution" per se...... Thanks for all experts advice..I'm new to this field..so as I check my current statement, the simple return is 0.54%..is that mean that from the time I invest, and until now I only get 0.54% return?A fund could be merely making 2% for that year..but distributes out 7% back to u....... Meaning in fact the fund pays u back 5% on your capital.u park with them earlier ....... .. Sometimes it sounds good for people who depend on some passive incomes for their living , like having a 10% distribution, but it is better for u to know the real meaning of the distribution, then to wait for a crisis to appear ( Malaysia culture ). then only willing to find out more.... Best Regards.. |
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